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Job Purpose

To evaluate credit applications for SME and Commercial clients, including new, renewal, and enhancement requests.

Job Accountabilities

Evaluate credit applications for SME and Commercial clients, including new, renewal, and enhancement requests.
Conduct detailed financial analysis on audited financial statements, management accounts, and cash flow projections.
Assess creditworthiness based on business model sustainability, industry risks, repayment capability, and collateral adequacy.
Prepare credit proposals and Memorandum of Approv
al (MA) for submission to the Credit Committee.
Ensure adherence to internal credit policies, regulatory guidelines, and risk management frameworks.
Collaborate with Relationship Managers to understand business operations and structure appropriate financing solutions.
JOB REQUIREMENTS

Bachelor's Degree in Finance, Accounting, Economics, Business Administration, or a related discipline.
Professional certifications such as CFA, ACCA, CPA, or equivalent will be an added advantage.
Minimum 2–5 years of relevant experience in credit analysis, credit assessment, or risk management within banking or financial services.
Prior exposure to SME and/or Commercial Banking portfolios is preferred.
Strong proficiency in financial analysis, including interpretation of audited financial statements, management accounts, and cash flow projections.
Sound understanding of credit risk assessment, including evaluation of repayment capacity, industry risk, and collateral structures.
Familiarity with Bank Negara Malaysia (BNM) regulations, internal credit policies, and risk management frameworks.
Ability to prepare clear, structured, and concise credit papers (e.g., Memorandum of Approval).

Business Credit Specialist